| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | BLUE CROSS BLUE SHIELD OF KANSAS | $19K | — | $19K | 8.13% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.90% |
| RIDGE CONSULTING GROUP INC3 | P.O. BOX 9488 WICHITA, KS 67277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.12% |
| RIDGE CONSULTING GROUP INC3 | P.O. BOX 9488 WICHITA, KS 67277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.36% |
| ROBERT J. LANGHOFER3 Filed as: ROBERT LANGHOFER | 3303 S MOOSE RUN GODDARD, KS 67052 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | ALLSTATE | $3K | — | $3K | 12.32% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON BENEFIT SERVICES | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | ALLSTATE | $827 | — | $827 | 3.52% |
| PAUL LIBEL3 | 12720 EDGEWOOD DR WICHITA, KS 67206 | ALLSTATE | $196 | — | $196 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $57K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 90 | $23K |
| Dental | STANDARD INSURANCE COMPANY | 117 | $73K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $104K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $45K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 378 | $233K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.